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论文编号：	6837
作者编号：	2120122941
上传时间：	2014/12/7 15:07:25
中文题目：	BH银行理财业务风险管理研究——以“T”产品为例
英文题目：	The Research on the Risk of BH Bank’s Wealth Management Product ——Taking “T” Product as an Example
指导老师：	李莉
中文关键字：	商业银行；个人理财；风险；风险管理
英文关键字：	commercial bank; personal wealth management; risk; risk management
中文摘要：	我国的商业银行个人理财业务起始于20世纪九十年代，走过了近20年的发展道路。但与国际上较成熟的金融市场相比，我国商业银行个人理财业务规模虽不断增加，但风险管理的先进程度还相差甚远，仍处于探索和发展阶段。一直以来，个人理财业务是商业银行一项稳定且持续的收入来源。但银行同业间的竞争不断加剧，原有传统存贷业务和个人理财业务的市场空间及利润水平都在不断压缩。同时，互联网金融时代的到来，各个电商平台的介入也迫使商业银行对个人理财业务进行创新，防止市场被过度挤压。 近两年，相对于国内经济增速的放缓，银行理财市场依然保持了强劲的增长势头。2013年全年银行理财产品的发行规模达到56.43万亿元，较2012年增长了85.57%，而到2013年底余额已经超过10万亿元。理财产品在满足居民理财的重要性进一步彰显。然而，用户期待跟便捷、更安全且收益更高的理财产品。这就要求商业银行从个人理财产品的设计运行、监督管理等诸多方面吸收先进经验，提高竞争力和风险管控水平。 银行理财市场急剧膨胀的市场规模越来越受到决策监管层的关注，但须承认，我国商业银行的理财产品风险管理无论从设计还是执行，都还有很多工作要做，对风险管理体系的分析优化越显得重要和紧迫。本文回顾了经典的风险管理理论，介绍了BH银行现有的业务和风险管理架构，在对商业银行个人理财业务现行的风险控制和风险管理体系进行研究分析的基础上，指出了现有风险管理体系的缺陷与不足，提出了相应的优化方案，并以银行的“T”型创新产品为例论证了优化方案的可行性，旨在帮助国内商业银行个人理财业务能够有序、健康、规范的发展，具有较强的理论价值和现实意义。
英文摘要：	China’s commercial banks started the personal financial services in 1990s, through the path of development for nearly 20 years. But compared with the more mature international financial markets, China's commercial banks, although the scale of personal financial services continues to increase, the method of risk management is still far from sophistication. It’s still in the exploration and development stage. All along, personal wealth management service is a stable and sustainable source of income for commercial banks. But inter bank competition continues to intensify, the market scale and the profit level of the original traditional deposit，lending business and personal financial services are constantly compressed. Meanwhile, along with the advent of the Internet financial times and the involvement of the various electronic business platform, commercial banks are forced to conduct innovative financial services to individuals, to prevent the market from being excessively squeezed. With the rapid growth of Chinese economy and personal wealth, residents claim Higher demands on commercial banks’ personal wealth management services. Bank customers expect with more convenient, more secure and higher-yielding financial products. This requires commercial banks to absorb the advanced experience of product designing、running and many other aspects of supervision and management that improve competitiveness of risk control. At present, China's commercial banks’ risk management is still very fragile, strengthen the risk management become not only more and more important but urgent. This paper reviews the classical theory of risk management, describes the B bank's existing operations and risk management framework. Based on the research and analysis of China’s current risk control and risk management system for personal wealth management services, the paper pointed out that the existing risk management defects and shortcomings, put forward the corresponding optimization program. Then make BH Bank’s T-innovative products as an example, demonstrated the feasibility of the optimization program. The paper designed to help domestic commercial banks’ personal wealth management services to be development orderly, healthy and standardized which has a strong theoretical and practical significance.
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